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Banking in the Digital Age: How Technology, Capital, and Risk Shape Profitability Hidayatullah, Indra; Sumiati
Jurnal Management Risiko dan Keuangan Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.4.06

Abstract

Bank profitability, as a key indicator of financial performance, has exhibited varying trends during the period from 2019 to 2024. Digital transformation presents opportunities for banks to enhance efficiency and profitability; however, challenges related to capitalization and credit risk remain primary concerns for regulators and industry participants in maintaining long-term stability and profitability. This explanatory quantitative study aims to analyze the influence of digital transformation, capitalization, and credit risk on profitability. The objects of this study are banking companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. Using a census or saturated sampling method, 16 banks out of a total of 47 were selected as the sample. The study employs descriptive statistical analysis, classical assumption testing, multiple linear regression analysis, and hypothesis testing, all conducted using SPSS version 27. The results of the analysis indicate that digital transformation does not have a significant effect on profitability, while capitalization and credit risk significantly influence profitability. Therefore, banks need to strengthen their digital capabilities and risk management while optimizing their capital structure to enhance performance and competitiveness in line with the resource-based view approach.
The Influence of Lifestyle, Financial Technology, And Financial Literacy on Millenials’ Digital Gold Investment Decisions Rahmasari, Adelia Gita; Sumiati
Jurnal Management Risiko dan Keuangan Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.2.03

Abstract

Investment decisions are long-term processes that require careful consideration, involving the allocation of funds to specific assets with the goal of generating returns and maintaining financial stability in the future. This study is urgent due to the rising trend of digital gold among millennials in the post-pandemic era. This study aims to examine the influence of lifestyle, financial technology, and financial literacy on the decision of millennials in Malang City to invest in digital gold. As explanatory research, it explains causal relationships among variables through hypothesis testing. Using a non-probability sampling method with purposive sampling technique, 120 respondents were selected. The data were analyzed using multiple linear regression in SPSS version 27. The results show that lifestyle, financial technology, and financial literacy have a positive and significant effect on investment decisions, both partially and simultaneously. The results show that lifestyle, financial technology, and financial literacy significantly and positively affect investment decisions. The novelty of this study lies in linking behavioral, technological, and financial literacy aspects to explain digital gold investment. The findings suggest that both platforms and investors can apply these insights to support wiser investment choices.
Uncovering the Impact of Leverage, Liquidity, and Firm Size on Infrastructure Firms’ Profitability Wahyudi, Haris; Sumiati
Jurnal Management Risiko dan Keuangan Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.3.04

Abstract

The infrastructure sector is one of the national development priority sectors that has experienced significant growth, both in terms of investment and economic output, as reflected in the upward trend of the sector's real GDP since 2021. However, amid this growth, the financial performance of companies in the infrastructure sector has shown a fluctuating trend and has not fully recovered, particularly when viewed through profitability indicators such as Return on Assets (ROA), which remains lower compared to the average of all sectors listed on the Indonesia Stock Exchange (IDX). This study aims to examine and analyze the effect of leverage, liquidity, and firm size on profitability in infrastructure sector companies listed on the Indonesia Stock Exchange (IDX) during the 2019-2023 period. This research uses a quantitative approach. The data utilized are secondary data in the form of financial statements from infrastructure sector companies listed on the IDX during 2019-2023 and information from each company’s official website. The sampling method used is census sampling with predetermined criteria, resulting in a sample of 22 companies. The analysis method employed is multiple linear regression using SPSS version 27. After conducting classical assumption tests, 3 companies were excluded as outliers, leaving 18 companies for the multiple linear regression analysis. The results show that leverage and liquidity have a significant effect on profitability, while firm size does not have a significant effect on profitability. Theoretically, this research supports the capital structure theory and the trade-off theory. Abstrak: Sektor infrastruktur merupakan salah satu sektor prioritas pembangunan nasional yang mengalami pertumbuhan signifikan, baik dari sisi investasi maupun output ekonomi, sebagaimana tercermin dalam tren peningkatan PDB riil sektor ini sejak 2021. Namun, di tengah pertumbuhan tersebut, kinerja keuangan perusahaan di sektor infrastruktur justru menunjukkan tren fluktuatif dan belum sepenuhnya pulih, terutama dilihat dari indikator profitabilitas seperti ROA yang masih lebih rendah dibandingkan rata-rata seluruh sektor di BEI. Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh Leverage, Likuiditas, dan Ukuran perusahaan terhadap Profitabilitas pada perusahaan sektor infrastruktur yang terdaftar di BEI periode tahun 2019-2023. Jenis penelitian yang digunakan adalah penelitian kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan keuangan perusahaan sektor infrastruktur yang terdaftar di BEI periode tahun 2019-2023 dan masing-masing website perusahaan. Pemilihan sampel menggunakan metode sampel sensus atau sampling jenuh dengan kriteria yang sudah ditentukan sehingga diperoleh sampel sebanyak 22 perusahaan. Metode analisis yang digunakan ialah analisis regresi linier berganda dengan bantuan program SPSS versi 27. Terdapat pengurangan sampel sebanyak 3 perusahaan (sebagai oulier) atas hasil uji asumsi klasik sehingga jumlah sampel menjadi 18 perusahaan yang dilakukan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa Leverage dan Likuiditas berpengaruh signifikan terhadap profitabilitas, sedangkan, Ukuran perusahaan tidak berpengaruh signifikan terhadap profitabilitas. Penelitian ini secara teoritis mendukung teori struktur modal, serta teori trade-off.
Pengaruh Minat Belajar dan Lingkungan Belajar Terhadap Prestasi Belajar Siswa Mata Pelajaran Pendidikan Agama Islam di UPT SPF SD Inpress Panaikang II/1 Kota Makassar Asriani, Asriani; Sumiati; Pewangi, Mawardi
DIMAR: Jurnal Pendidikan Islam Vol. 7 No. 1 (2025): Dimar: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Ilmu Tarbiyah Al Mubarok Bandar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58577/dimar.v7i1.474

Abstract

This study examines how learning interest and the learning environment influence students’ academic achievement in Islamic Religious Education (PAI) at UPT SPF SD Inpres Panaikang II/1, Makassar. Education serves a vital role in shaping knowledgeable and morally grounded learners, and in PAI, success is determined by both internal and external factors. Despite existing research on these variables, studies focusing specifically on PAI at the elementary level remain limited. Preliminary observations revealed low interest in PAI and an insufficiently supportive learning environment, underscoring the need for empirical investigation. Using a quantitative descriptive design, data were gathered through observation, questionnaires, and documentation from 38 purposively selected fifth-grade students. Analytical procedures included instrument testing, multiple linear regression, and significance testing. Results show that students’ learning interest falls within a good category, the learning environment is considered high, and academic achievement in PAI is very good. Simultaneous testing indicates that learning interest and the learning environment together significantly influence academic achievement. However, partial analysis reveals that learning interest does not have a significant standalone effect, whereas the learning environment exerts a significant positive influence. The coefficient of determination (R² = 0.243) indicates that both variables account for 24.3% of the variance in academic outcomes. The findings highlight the dominant role of external conditions in shaping PAI achievement. Enhancing supportive and interactive learning environments, supported by teacher initiatives and parental involvement, is essential for improving student performance. This study contributes to empirical understanding of the determinants of PAI learning success in elementary education.
IMPLEMENTATION OF DIFFERENTIATED LEARNING THROUGH THE TEACHING AT THE RIGHT LEVEL (TARL) APPROACH IN FIFTH GRADE SCIENCE LESSONS AT SDN LENTENG AGUNG 07 PAGI Anandea Nabilah Rizqy; Fauziyah Fadel Wardani; Nazilah Izhar Nursy; Putri Nadia; Sumiati
SMART: Journal of Multidisciplinary Educational Vol. 3 No. 2 (2025): November: Smart: Journal of Multidisciplinary Educational
Publisher : CV. Fahr Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61677/smart.v3i2.577

Abstract

This study aims to describe the implementation of differentiated learning through the Teaching at the Right Level (TaRL) approach in the 5th-grade science subject at SDN Lenteng Agung 07 Pagi. The study used a quantitative descriptive method with data collection techniques including observation, interviews, and documentation with the 5th-grade science teacher and all students. The data were analyzed using descriptive statistics to assess the implementation of differentiation across four main aspects: content, process, product, and learning environment. The results showed that all 14 indicators of differentiated learning were implemented 100%. Teachers adjust the material based on diagnostic assessments, carry out different learning activities according to students' abilities, provide a variety of learning product formats, and create a flexible and inclusive learning environment. The conclusion of the research states that the TaRL approach is implemented very well because all elements of differentiation are fully achieved, making science learning more adaptive, equitable, and capable of meeting the learning needs of each student.
Transformasi Peran Balian dalam Masyarakat Dayak Ma’ayan: Sinkretisme Agama dan Dinamika Stratifikasi Sosial: The Transformation of the Balian’s Role in Dayak Ma’ayan Society: Religious Syncretism and Social Stratification Dynamics Nimah; Sumiati
Jurnal ENTITAS SOSIOLOGI Vol. 14 No. 2 (2025): Negotiating Tradition and Modernity
Publisher : Laboratorium Sosiologi FISIP Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/jes.v14i2.53754

Abstract

Penelitian ini bertujuan untuk menganalisis transformasi peran Balian dalam masyarakat Dayak Ma’ayan di Kabupaten Barito Timur di tengah tantangan modernisasi dan pluralisme agama. Dengan menggunakan pendekatan kualitatif dan metode etnografi, penelitian ini mengeksplorasi bagaimana Balian beradaptasi serta mempertahankan relevansinya di tengah perubahan sosial-keagamaan. Hasil penelitian menunjukkan bahwa Balian tidak lenyap, melainkan bertransformasi menjadi agen utama sinkretisme keagamaan yang secara pragmatis mengintegrasikan kepercayaan tradisional dengan agama-agama formal, terutama Kristen dan Islam, untuk mengisi ruang spiritual masyarakat. Posisi sosial Balian juga menunjukkan variasi yang signifikan: mereka tetap dihormati dalam komunitas pedalaman, tetapi cenderung termarginalisasi di wilayah urban, di mana stratifikasi sosial lebih banyak ditentukan oleh modal ekonomi dan pendidikan formal. Tradisi Balian memperlihatkan ketahanan budaya yang kuat, berfungsi sebagai pilar penting dalam negosiasi identitas budaya Dayak Ma’ayan di era kontemporer. Studi ini menyimpulkan bahwa Balian bukanlah peninggalan masa lalu, melainkan institusi budaya yang dinamis dan resilien, yang terus memainkan peran penting dalam membentuk tatanan sosial dan religius masyarakat Dayak.
PENGARUH PERBEDAAN INDIVIDU DALAM PERILAKU KERJA Abu Hanifah; Sumiati
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 11 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi November 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i11.1184

Abstract

Each individual has its own uniqueness, this individual uniqueness is what is then called individual differences. Understanding individual differences is very important for a leader or manager, because these individual differences will later affect work behavior. By knowing the differences of each individual in an organization, it is hoped that it can lead the organization in a better direction. Therefore, the writing of this work aims to examine the differences in individual and work behavior and how they are related between individual differences and work behavior. This paper is written using the library research method where the author conducts a study of books and other references related to the material Individual differences and work behavior. From this study, the author found several things, namely that there are several things that underlie the occurrence of individual differences, both internal factors and external factors covered in the primary dimension and secondary dimension. These differences will later become characteristics for an individual that can affect an individual's work behavior.
Peningkatan Hasil Belajar Matematika Melalui Model Problem Based Learning Berbantuan Wordwall Sumiati; Baik Nilawati Astini; Intan Triwahyuni
Jurnal Pendidikan, Sains, Geologi, dan Geofisika (GeoScienceEd Journal) Vol. 6 No. 4 (2025): November
Publisher : Mataram University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/goescienceed.v6i4.1057

Abstract

Penelitian ini bertujuan untuk meningkatkan hasil belajar matematika melalui model pembelajaran Problem Based Learning (PBL) yang dibantu oleh Wordwall. Jenis penelitian yang digunakan adalah Penelitian Tindakan Kelas (PTK) yang terdiri dari empat tahap, yaitu perencanaan, pelaksanaan, observasi, dan refleksi. Penelitian ini dilakukan secara kolaboratif dengan guru kelas dan rekan sejawat. Subjek penelitian adalah 24 siswa kelas IV. Data yang dikumpulkan dan diolah kemudian dideskripsikan berdasarkan pandangan peneliti serta didukung oleh teori-teori yang relevan. Observasi dilakukan selama 2 siklus, dan hasilnya menunjukkan adanya peningkatan hasil belajar siswa, yakni 70,8% pada siklus I dan 87,5% pada siklus II. Penelitian ini menunjukkan bahwa penerapan model PBL dengan bantuan media interaktif Wordwall memberikan dampak yang signifikan terhadap peningkatan hasil belajar siswa kelas IV, khususnya pada mata pelajaran matematika.
Analisis dan Penerapan Pendekatan Tradisional dan Modern dalam Manajemen Pendidikan Islam Kemala, Rosmalina; Rasihun; Ramlianto; Sumiati
PILAR Vol. 16 No. 2 (2025): JURNAL PILAR, DESEMBER 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/4jd9sq65

Abstract

Pendidikan Islam menghadapi tantangan besar dalam menyeimbangkan antara pemeliharaan nilai-nilai tradisional dan kebutuhan untuk beradaptasi dengan tuntutan globalisasi serta perkembangan ilmu pengetahuan dan teknologi. Permasalahan pokok dalam penelitian ini adalah bagaimana pendekatan tradisional yang berakar pada sistem pendidikan Islam klasik dapat berinteraksi dengan pendekatan modern yang menekankan efisiensi, profesionalisme, dan penggunaan teknologi, tanpa mengorbankan dimensi spiritual yang menjadi inti dari pendidikan Islam itu sendiri. Tujuan penelitian ini adalah untuk menganalisis konsep dasar dan karakteristik masing-masing pendekatan, mengidentifikasi kelebihan dan kelemahan dari kedua pendekatan tersebut, serta mengeksplorasi potensi integrasi keduanya dalam mengelola pendidikan Islam di era global. Metode yang digunakan adalah pendekatan deskriptif analitis dengan mengandalkan studi literatur yang relevan dan terkini. Hasil penelitian menunjukkan bahwa pendekatan tradisional, yang berfokus pada pembentukan moral dan spiritual melalui sentralisasi peran guru, memiliki keterbatasan dalam adaptasi terhadap perkembangan ilmu pengetahuan dan teknologi. Sementara itu, pendekatan modern menekankan pada sistem manajemen yang terstruktur, profesionalisme, penggunaan teknologi, serta akuntabilitas, namun berisiko mengurangi dimensi spiritualitas dalam pendidikan. Kesimpulannya, integrasi antara pendekatan tradisional dan modern dapat menjadi model manajemen pendidikan Islam yang holistik, yang menggabungkan kekuatan nilai-nilai spiritual dengan prinsip efisiensi dan inovasi, guna menghasilkan generasi Muslim yang kompeten secara global tanpa kehilangan jati diri keislamannya.
Kepemimpinan dalam Pendidikan Islam dan Peran Pemimpin dalam Lembaga Pendidikan Islam Abdullah, Agil Husain; Aripuddin; Nurkhalishah; Sumiati
PILAR Vol. 16 No. 2 (2025): JURNAL PILAR, DESEMBER 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/624kne28

Abstract

Pendidikan Islam memiliki peran strategis dalam membentuk manusia beriman, berilmu, dan berakhlak mulia. Dalam proses tersebut, kepemimpinan menjadi faktor penentu arah, kualitas, dan efektivitas penyelenggaraan pendidikan. Penelitian ini bertujuan menganalisis kepemimpinan dalam konteks pendidikan Islam dan peran pemimpin dalam manajemen lembaga pendidikan Islam. Penelitian ini menggunakan pendekatan kualitatif dengan metode penelitian kepustakaan melalui telaah terhadap literatur yang relevan mengenai kepemimpinan dan pendidikan Islam. Hasil penelitian ini menunjukkan bahwa landasan utama kepemimpinan Islam bersumber dari Al-Qur’an dan Sunnah yang menekankan prinsip ‘adl (keadilan), amanah (kepercayaan), syūrā (musyawarah), serta uswah hasanah (keteladanan). Dalam lembaga pendidikan Islam, pemimpin memiliki peran strategis sebagai pengarah visi, pengambil keputusan, motivator, pembina moral, serta jembatan antara lembaga dan masyarakat. Gaya kepemimpinan yang efektif seperti transformasional, partisipatif, visioner, dan servant leadership perlu diintegrasikan dengan nilai-nilai Islam untuk membentuk sistem manajemen yang berorientasi pada pembinaan akhlak dan peningkatan mutu pendidikan. Secara keseluruhan, keberhasilan lembaga pendidikan Islam sangat bergantung pada kualitas kepemimpinan yang berkarakter Islami, berorientasi pada pelayanan, dan berkomitmen terhadap nilai-nilai keadilan, kejujuran, dan tanggung jawab.
Co-Authors A. S. Harahap AA Putri Melastini Abdullah, Agil Husain Adia Abiati , Nathan Afandi, Jefri Afrilia S. Kusuma Agus Muchsin Agus Setiyono Agus Wahyu Abdirrahman Ahmad Fatoni Dwi Putra ahmad yani Ainur Zaki Yamami Aji Setiawan Al-Hidayah Albany, Rifka Aulia Alfathya, Atmaya Fitra Alfia Batshila Aliah Pratiwi Amalia Febriyana, Alisa Amir Amirasanti Fepiosardi , Raihanette Anandea Nabilah Rizqy Andini, Firda Fikri Anggreni, Afrillia Anhar Faisal Fanani Anindya Mubarok, Helga Anistia Ardiansyah, ⁠Abd Aziz Ardika Putri, Oktaria Ari Prasetyo Wibowo Aria Sandra Ario Damar Aripuddin Asep Munajat Asma'urrahman, Nailurriza Asriani Asriani, Asriani Asro Laili , Mohamad Assaqqaf, Saiyed Mahmuddin Astarudin, Tatang Astini, Baik Nilawati Asya Alifa Atmaja, Devi Yulianty Surya Atmaya Fitra Alfathya Azhary Noersidiq Azizoma, Rusman Bagus Shandy Narmaditya Bakhtiar Binowo, Seruni Budiman, Jovi Yuzzer C. Sumantri Cece Sumantri Chairil Akhyar D. A. Astuti Dafa, Abdullah Hasan Damirah Darmawati Darwis, Achmad Ichsan Desy Devi Theda Rizaldy Dian Surya Aprilyanti Dirja, Iman Dudin, F. Dwi Kusuma Purnamasari, Dwi Kusuma Dwi Sukma Donoriyanto Eka Kemmala Arja Eko Sutrisno Erda, Roza Erwan Evy Damayanthi Fahrullah Fahrullah Fajrih, Nurul Fajriyah, Fajriyah Falasifah, Nihlatul Farida Pulansari Fatmawati Fatmawati Fauziyah Fadel Wardani Fefti Yulian Mela Felicia Yorenda Fida Sauqina , Adilla Fitriani Fransisca Diah Ayu Verayanti Fuah, Asnath Mariah G. S. Afifah Gusniar, Iwan Nugraha Hadijah Hulopi Haerul, Muhammad Hanif Nurmajid Hanifa Almira Nanda Harahap, Syafnah Aisyah Nauli Hariono Hartatu, Tiara Hasim Hay’s , Riyan Naufal Hay’s , Riyan Naufal Hendriyati, Penny Hendry Gunawan Hesteria Friska Armynia Subratha Hidayatullah, Indra Hindami, Moh Argy Hariran Hubaedah, Annah Husniyyah I Gusti Ayu Agung Intan Dewi6 I. Akbar, I. Ibnu Hurri Idisri, Evania Elita Idqan Fahmi Illahi, Beta Kurnia Imam Suyitno Indria Nuraini Intan Triwahyuni IPB, DGB Irhamuddin Irma Nurma Linda Irwan, Andi Muhammad Isnaini, Araina Ivan Zairani Lisi Ivan Zairani Lisi Jamaluddin Joni Saputra K.G.Wiryawan Kamilah, Dendy Siti Kemala, Rosmalina Ketut Espana Giri Khaeruddin Kiramang Khaerunnisa Koesoemaningsih, Rachmawati Komang G. Wiryawan Komang Sulyastini Kurniasari, Irma Kusuma Ratnawati Kusumawardani, Luluk Nur Indah Lala M Kolopaking Lilik Djuari Lilis Diah Sugiarti Lilis Sulistyani Ludi Wishnu Wardana Luh Citrarasmi Dara Mestika Luh Yenny Armayanti Luthfiyah Robbiyati Shofa M Agus Setiadi M. Q. Sa’ad Ma'mun Sarma Made Rinin Sri Wulandari Mahmuda Majid, Sity Fatimah Maqruf, Agus Marlina, Nely Marsheila Salvinia Mastri, Annisa Maulana, Habib Maulina Efendi, Rizka Mawardi Pewangi, Mawardi Mayasari, Maryati Meisyari, Rinrin Mochammad Mohammad Insan Romadhan Mohammad Rachman Waluyo Muh. Nashirudin Muhallim, Mustakim Muhamad Muhdar Muhammad Abdi Dermawan Muhammad Ali Rusdi Bedong Muhammad Ibrohim Muhammad Raka Adi Pratama Muhammad Wibbie Wiweka Subono Mukrim, Mukrim Muzakkir Nabila Amelia Hanisyah Putri Nadia Sarasabella Nahrowi Nanda Shafira Ashadi Nariswari, Arinda Inansya Natasya Angelie Nazilah Izhar Nursy Ni Iffah Kesuma Ni Kadek Dwi Nanda Restiani Ni Kadek Gina Pramitayani Ni Komang Sulyastini Ni Nyoman Ayu Desy Sekarini Ni Putu Citra Laksmi Ni'mah Nidhomillah, Abd Rofi Fathoni Nimah Nis'atul Khoiroh Nisail Fitriah, Khoirotun Nis’atul Khoiroh Nugraha, Yaskie Cahyana Septiviandra Ade Nur Fadilah Ayu Sandira Nur Khusniyah Indrawati Nur Rahmawati Nur'Aida, Sanabila Adha Nurdiani Nurfalah, Farika Nurhayati Nurkhalishah Nurmatias, Faizal Nursopayanti Nushobah, Ahmad Royan Octavia, Armelinda Octavia, Icca Oktariza, Wawan Panjaitan, Joice Putri Ulina Patandianan, Cindy Patunah, Siti Pelealu, Nanda Dzikrillah Prasetio, Abi Putra Pratiwi, Putu Irma Purwati Purwiyatno Hariyadi Putri Nadia Putri, Lintang Kusumah Putri, N. D. S. Putu Diah Prasetiani Putu Eva Yuni Dyantari R. Afnan R. Fadhilah R. Fadilah R. Mutia R. Susilowarno Rahmalya Ardy , Najmi Rahman Rahmasari, Adelia Gita Rahmat Justan Rahmat, Abd. Ramlianto Ransya Ayu Zulvia Rasihun Ratna Wardani Rayhanah, Rayhanah Repi, Viktor Vekky Ronald Reyna Amalia Pumieda Riami Rico Nur Ilham Ridhwan Rina Agustina Riska Bimbi Riski Amelia, Riski Risna Wijayanti Rita Mutia Riyanti, Ayu Rizki Prasetya Person Rofiaty Romaji Romantis, Sara Rosa Dwi Melati Rostina Roza, Nelli Rumbi, Frans Paillin Rushafarani, Yurida S. Subekti Sakoikoi, Kristoper Salmafitri, Nuzulia Salsabila, Imtinan Salundik Samsu Alam Rab Sanudin Sa’diyah, Yuni Aminatus septiawan, andri Septiyanti Setiana, I. Shofil Fikri Sipa Unnaziah Siregar, Rendi Robintang Sitanggang, Antonius Nathanael Siti Dewi Winengsih Siti Mujanah Sitti Jamilah Amin Sitti Muthmainnah Sitti Satriani Is Sity Fatimah Slamet Riyadi Sri Nur Hayati Sri Nurhayati Sri Purwaningsih, Sri Sri R, Ary Oktora Sudirman L Sudradjat Sugihartono, Agus Sugiyanto, Lina Sugiyarta, Ahmad Sulkarnain Sumiati⁷ Suradi, Futeri Maharani Suria Darma Tarigan SUSANTI Susanti, Komaria Susilawati, Seni Susy Katarina Sianturi Syahpura, Suraya Kaffi Syaichullah Ghazur Ilahi , Muhammad Syamsuhaidi Tamba, Sulaiman Taqwim, Ahsan Tarigan, Ronald Tiangat Siregar Titin Novayanti Dey Triayudi , Agung Tsaqib, Muhammad Tamim Ukik Agustina Ulfah Juniarti Siregar Valda, Vania Vebera Maslami Verayanti, Fransisca Diah Ayu Vilkades Wahyu Handayani Wahyu Kristiningrum Wahyu Purnomo Jati Wahyudi, Haris WAHYUNI Waluyo , Minto Wardani, W. W. Warif, Muhammad Widodo, Andi Yekti Widya Hermana Wilda, Erina Mu’rivatul Wira Ekdeni Aifa Yenny Puspitasari Yuly Peristiowati Yunaspi, Didi YUNI KURNIAWATI Yuniari, Airin Yusta, Afrasim Yusuf, G. M. Zai, Sarila Zainal Said Zulfah Zulfah